TJs 2 Cents

I go into detail about I don’t believe Colleges have education in mind, how they only want your money, how investing in yourself doesn’t always mean getting a degree and much more. Questions to ask yourself: -Would you ever invest $50,000 into something that doesn't have a guaranteed minimum return? -Would you invest heavily into something just to get a job? This week is the final episode of Season 1, for all updates for Season 2 and for miscellaneous weekly content make sure to follow my social media: Facebook: www.facebook.com/tjs2cents Instagram: @tjs2cents Email: tjs2cents@yahoo.com

I discuss my 2cents and thoughts on the things we grow into knowing, the things we are forced to learn on our own and who I think should be teaching us things vs who actually taught us them. Most importantly I will be discussing common sense, expanding on how it seems to not be so common, and what are the things I think should be common sense. I discuss how I think there is a fine line between life skills and common sense because everything has to be learned but certain things lean more towards skills while others are more knowledge based. Make sure to follow me! Facebook : www.facebook.com/tjs2cents Instagram: @tjs2cents Email: tjs2cents@yahoo.com

I dive deep into the information that the big tech companies like Facebook, Twitter, Microsoft, Google, Amazon, and Apple have about you, reading the privacy agreements, clearing your cookies (no not the ones in your pantry either), and giving my 2cents on what to do to stay safe on the internet. It is amazing how little we know about ourselves but how much "The Internet" knows about us. I hope you guys enjoy! Only 2 More episodes before the end of Season 1, make sure to catch up on all the episodes leading up to this episode so far! Make sure to follow all my social media to get an inside scoop of every weeks topics and participate in polls and give comments! FB: www.facebook.com/tjs2cents IG : @tjs2cents Email: tjs2cents@yahoo.com

I give my 2 cents on how social media has become such a staple in todays society that so many people are trying to determine the impact of it on our society and its immeasurable due to all of the types of social media platforms. From connecting friends, to posting pictures, to fake news, to dating, even learning a new skill social media has impacted all of us in some way shape or form. What a lot of people don’t understand is that even though social media is bound to impact us we are in charge of HOW it impacts us. I talk throughout the episode on how social media is a highlight reel, how I think it has impacted society and my life specifically, along with random two cents. I also want to mention that after episode 25 I will end season 1 of tjs2cents and begin season 2 with brand new episodes later this fall. I want to ensure the best quality content in hopes that you’ll continue listening so I hope you guys enjoy.

I give my 2 cents about how too many people are spending a lot of their days on phones or being distracted by their phones. Whether it is taking 15 minutes to choose the right selfie to post on instagram, scrolling through Facebook or twitter feed, Watching youtube or netflix videos non stop the list goes on and on. I give my 2 cents on how to use your phone to be productive and not kill productivity. Make sure to follow me on all my social media handles! Only 4 more episodes until the end of season 1. FB: Tjs2cents IG: @tjs2cents Email: tjs2cents@yahoo.com

I give my 2 cents on some major things I notice people wasting their time with, how I handle my personal time, how to overcome wasting time, and give personal examples. Make sure to follow me on Social media to get insights for every weeks show ahead of time! FB: www.facebook.com/tjs2cents IG: @tjs2cents Email: tjs2cents@yahoo.com

I give my 2 cents on what I think determines a career versus a job. I go into detail discussing how to determine a career, and also talk about 4 key thinks to consider about your current position with your life. Make sure to follow my Social accounts for updates and previews for new episodes! FB : Tjs2Cents IG @tjs2cents Email: tjs2cents@yahoo.com

I give my 2 cents on how how putting in the hard work will always lead to success. Whether that success come in the form of school, your career, your relationship, your fitness journey, food, or even something as little as mowing the grass. Without putting in work none of these things would be possible. It seems to me that as a society we have been very keen on wanting things to happen very quickly or with the least amount of work involved so we can go home and watch netflix or hulu and hang with our friends. I truly don’t understand how as a society we have become so anti work. It seems younger people are pushing for shorter work weeks but higher pay, longer breaks etc. I discuss how we need to realize that instant gratification isn't real and we will be much happier knowing we completed something we struggle with. If you have questions/comments/concerns Email: tjs2cents@yahoo.com FB: @tjs2cents IG: @tjs2cents

Wealth is a journey, not a destination. It is more than money in the bank and possessing expensive items. You will gain money and you will spend it. You will earn it and lose it. Being rich is when you arrive at a place where you are able to be content with and manage what you have — no matter how much or how little. Being rich is a state of mind and a place of peace that is not greedy and constantly reaching for more. It's a journey of contentment. And that journey doesn't happen overnight. Give me your comments: Email: tjs2cents@yahoo.com Facebook: Tjs2cents IG: @tjs2cents

Our rapidly moving, information-based society badly needs people who know how to find facts rather than memorize them, and who know how to cope with change in creative ways. You don’t learn those things in school. We need to learn and find things rather than knowing and memorizing information that doesn’t impact our day to day functions and increases our world as a whole. I discuss 16 things in slight detail and hope to ignite conversations amongst those listening. Let me know your two cents on things you wish you had learned at school! Email: tjs2cents@yahoo.com FB: Tjs2Cents IG: @Tjs2cents

It’s a windy day and the pessimist complains about the wind; the optimist expects it to change; the realist adjusts the sails. What do you currently do? I discuss how I want to CRUSH pessimism, preach realism, and discuss why being optimistic isn't terrible but sometimes can become overwhelming. Make sure to subscribe on apple podcasts and follow me on all Social Media! @tjs2cents

Todays episode I give a few ways to manage your expectations, and ask a few questions that will hopefully get you thinking about why your reality may not match your expectations and how you can shorten the gap.

I give my two cents on the difference between real and fake friends. I go in to detail with how to tell the difference between a genuine friendship, and one that may not necessarily be healthy and perhaps destructive and even fake. Many of us have a desire to connect with others, and finding those with similar interests makes us feel a sense of being whole, in that we have someone who just gets us, even sometimes without any spoken words. However, the truth is, while many friendships can be intense, long-lasting, and even extremely helpful for personal growth, others can be destructive and can cause more harm than good. Make sure to follow/like/subscribe on all my social media platforms! FB: Tjs2cents IG: @tjs2cents

Throughout this episode I go down memory lane of technology, talk about some of the first big items and how they have transformed and how they will continue to transform. Some of the big topics I talk about are facial recognition, autonomous vehicles, 3D printing also known as additive manufacturing, crypto/block chain, and my personal favorite voice technology! If you have questions or comments send me an email tjs2cents@yahoo.com Follow me on FB and IG tjs2cents

No matter the topic, no matter your age, race, gender, etc headline readers are a cultural and society issue. The access to so much information in todays society at our fingertips just statistically means that there will be a larger amount of misinformation than that of previous times. This episode I tell you why headline readers are slowly but surely causing mayhem in our society, why you should always check the facts before sharing articles, how easy it truly is for people to run ads against particular demographics of people on social media all by using the information that you give out, and why you should never share or comment negative things because the more reactions a post gets the more it pushed to the top of your feed .

In this episode I try and explain how looking at purchases a little more in depth before buying is very beneficial and how if you can't get the financial side to make sense just stop. Too many people purchase things due to emotion or to show off for others even without thinking things entirely through. These things can include clothes, shoes, food, electronics or even things like cars, houses, boats, etc. It truly amazes me how these purchases can take place without a second thought!

Talking about some things to avoid, common misconceptions, how I think it will impact my generation more than previous generations and detail the overall impact of interest payments.

I dive in and discuss capital allocation and how you can improve your return on investments. In this episode I try and explain that investing can be in more forms than just monetary and that maximizing your capital allocation also known as asset allocation will greatly impact on how you live your life. I am looking forward to telling you guys about how capital allocation has helped investors previously, how I think it will help you and of course give you my two cents.

I talk about the goals for every decade of your life ranging from your 20s through your 60s. 20s: Learn to live below your means Become financially independent Develop a retirement account/plan Open a Roth IRA Learn your credit score Start paying off debt Start an Emergency Fund 30s: Have 1X your salary saved for retirement Pay off all non-mortgage debt Create a will If a parent-get life insurance Increase emergency fund Start to read up on financial planning 40s: Have 3X your salary saved for retirement Review your financial plan Evaluate the household budget Diversify your portfolio 50s: Have 5X your salary saved for retirement Pay off your mortgage Up your contributions to your 401K and Roth IRA Look into annuities Long term care insurance 60s: Have 8X your salary saved for retirement Social Security options Reevaluate budget Part Time employment /Volunteering QUESTIONS/COMMENTS??? Contact Me: Email: tjs2cents@yahoo.com FB: www.facebook.com/tjs2cents IG @tjs2cents

I go into detail of the different methods investing can be implemented, and possible returns on that investment. I also give personal stories about my first couple investing experiences and the outcomes of those experiences. As a disclaimer; I want to make sure that all my listeners know that I am in by no way shape or form affiliated with any of the technologies, companies, or tools that I will talk about during this episode. Download RobinHood with my referral link below to get a FREE Stock! share.robinhood.com/timothf1104 Links to other resources mentioned in this episode: https://www.stockpile.com https://www.investopedia.com/simulator/game/creategame.aspx https://www.m1finance.com https://www.acorns.com https://www.lendingclub.com

Throughout this episode I discuss budgeting, why it is important, some basic categories of spending to incorporate in your budget, how to set those categories up, how to make sure you spend less than you make, and of course give you my two cents. I hope you guys enjoy! Make sure to check out my Facebook www.facebook.com/tjs2cents and message me or email me to get a free downloadable personal budget spreadsheet. This is exactly what i use for my personal finances except i modified it to include instructions on how to modify the equations if needed and added some features for an added bonus!

I talk about 8 things to do before starting to Invest. 1. Understand your employers retirement options and which you are currently enrolled. 2. Build a financial cushion 3. Removing all High Interest Rate Debt (>7-8%) 4. Build an emergency fund. *Different than a financial cushion* 5. Establish goals you want to achieve and what you want to get out of investing. *Refer to episode 3 for more tips on setting goals.* 6. Understanding the psychology of investing and knowing you will lost money at some point 7. Do your research! 8. Study the art of investing!

The topics discussed today could apply with your finances, work goals, family goals, or personal goals. The type of goals getting discussed today are 1) The someday goal 2) 5 year goal 3) 1 year goal 4) monthly goal 5) weekly goal 6) daily goal 7) right now goal. I am going to mention some of my goals, list goals I think everyone should have and list how each of these need the other in order to be completed and of course give you my two cents. I hope you guys enjoy! Follow me on IG @tjs2cents Find me on FB www.facebook.com/tjs2cents Email me: tjs2cents@yahoo.com

I discuss some of the struggles of balancing work/school with other needs in life. I give experiences from my college experience and how I was able to flip the scale of balancing my life with professional ambitions. I discuss some possible helpful tips to start shifting the balances in your favor so you dont feel as burnt out. I hope you guys enjoy! Follow me on IG @tjs2cents Find me on FB www.facebook.com/tjs2cents Email me: tjs2cents@yahoo.com

I am going to talk about why I decided to go to college, my motivations behind my major, where I went to college, my experiences during my time in college, and reflect back on if I thought the experience was an overall good decision.